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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $309,193 | $124,213+148.9% | $118,106+161.8% | $154,746+99.8% |
| Participation rate | 33.3% | 83.6%-50.3pp | 81.9%-48.5pp | 80.7%-47.4pp |
| Annual return | 15.80% | 18.29%-2.5pp | 19.44%-3.6pp | 172.34%-156.5pp |
| Employer contribution / active EE | $2,248 | $4,905-54.2% | $4,698-52.2% | $4,379-48.7% |
| Participant deferral / active EE | $10,333 | $6,859+50.7% | $6,619+56.1% | $6,730+53.5% |
| Admin fee / account holder | $20 | $9,627-99.8% | $8,973-99.8% | $14,365-99.9% |